Finance options
Specialist options
- Debt capital markets
- Funding pension shortfalls
- CREST securities settlement
- Self-invested pension plan
Managing risk
Lending Principles
Enterprise Finance Guarantee
RBS and the UK Government could help to secure your commercial loan
If your business needs to increase cash flow, or gain access to funds to generate growth or development, RBS and the UK Government could help.
Provided your company’s turnover in the last 12 months is less than £25 million, the Government could act as guarantor for your next commercial loan.
How Enterprise Finance Guarantee works
If you don’t have the necessary security to obtain a conventional commercial loan, you can apply to use the Enterprise Finance Guarantee through RBS.
The guarantee can be used to support new commercial loans or to convert part or all of an existing RBS overdraft into a loan.
Under the scheme, a guarantee for 75% of your loan is provided by the Department for Business Innovation & Skills (BIS).
Enterprise Finance Guarantee benefits
- Variable and fixed rates - the choice your business needs
- Borrow up to £1million - the minimum loan is £1,000
- Three month minimum term - and a 10 year maximum loan term
- Flexible - take your loan in one amount or in stages to suit your cashflow requirements
- Payment holidays - take a capital repayment holiday to help your cash flow
- Choice of borrowing options - Enterprise Finance Guarantee facilities can also be made available by way of overdraft or invoice finance, to help suit your own individual circumstances.
In addition, your business could enjoy many of the benefits available with a standard RBS commercial loan.
More information
If you take a commercial loan under the scheme, you need to pay a 2% premium on the outstanding balance to BIS. Premiums are collected in advance by direct debit on a quarterly basis.
Some sectors are excluded from this scheme, and restrictions may apply to others. Please speak to your relationship manager for full details.
If you decide to take a payment holiday, you should be aware that interest will continue to accrue during the duration of the payment holiday, and your payments may increase after you resume payments.
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